2 Broadcaster Press August 6, 2019 www.broadcasteronline.com Dave Says Adjust Our Emergency Fund? Dear Dave, My husband and I have been married five years, and we’ve decided we want to have children. We’ve both been working full time since our wedding, and we were wondering if we should adjust our emergency fund and retirement investing to accommodate all the upcoming life changes that go along with having a bigger family. Rachel Micro Investing Apps? Dear Dave, What is your opinion on micro investing apps like Acorns and Betterment? Are these good vehicles for building wealth in the long term, and are there any major drawbacks to these types of services? Alex Dear Alex, I’m not saying there’s anything really wrong with Acorns or Betterment, but they do different things. Acorns is more of an invest pennies, round-up kind of Dave program, where Betterment is kind of a robo-investing deal. Dear Rachel, Here’s the thing. Micro investing is going to create When it comes to an emergency micro wealth. And the big downside is you’re going to fund, I’d stick with what I recommend in the Baby feel like you did something important. The way you Steps. A good emergency fund of three to six months end up with money is by investing money. The way of expenses should be fine. If you feel safer leaning you end up with more money is by investing more toward the six-month side, that’s fine. As far as invest- money. You can argue all you want that using things ing is concerned, that’s Baby Step 4. This means 15 like these create extra money. Yeah, but not really. The percent of your household income going toward retire- returns are still micro. An app doesn’t make two dolment. None of that really changes. lars turn into twenty dollars. Now, with another person in the house, your dayIt’s okay to use apps like that. I’m not mad at them, to-day expenses are going to increase. That’ll make it and I don’t think they’re a rip-off. What worries me even more important to make sure you’re living on a about these kinds of things, in an investing sense, written monthly budget. What you don’t want to do, is they give the illusion that you’ve done something is quit your job to come home and be a full-time mom, significant with your money. then find yourselves dipping into the emergency fund. —Dave Being a stay-at-home mom is fine. It’s a wonderful thing if you can afford it. But if that’s the plan you need * Dave Ramsey is America’s trusted voice on money to budget accordingly, and practice living on just your and business, and CEO of Ramsey Solutions. He has auhusband’s income before you quit your job. thored seven best-selling books, including The Total Money God bless you two, Rachel! Makeover. The Dave Ramsey Show is heard by more than —Dave 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @ DaveRamsey and on the web at daveramsey.com. RAMSEY Dakota Senior Meals Served at The Main Street Center & Town Square, “Meals on Wheels”. Please call before 9:00am to schedule or cancel a meal at 624-7868. Menus listed below are August 7th – August 13th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – 3 oz. Salisbury Steak, ½ c Mashed Potatoes, ½ c California Blend. ½ c Peaches, 4 oz. Cranberry Juice Thursday – 3 oz. Bubble Pizza, 1 c Lettuce Salad, Tomato and Cucumbers, ½ c Mandarin Oranges, 4 oz. Apple Juice Friday – 3 oz. Baked Cod, Baked Potato, ½ c Green Beans, ½ c Blueberries and Yogurt, 4 oz. Orange Juice Monday – 3 oz. Sloppy Joe on Bun, ½ c Sweet Potato Fries, ½ c 3 Bean Salad, ½ c Pears, 4 oz. Apple Juice Tuesday – 3 oz. Swiss Steak, ½ c Mashed Potatoes, ½ c Corn Casserole, ½ c Mixed Fruit, 4 oz. Orange Juice Forney Named System Vice President Of Finance And Administration PIERRE, S.D. – Heather Forney will become the next system vice president of finance and administration for the South Dakota Board of Regents. The appointment, effective Sept. 9, was announced today. Forney is currently the vice president of finance and administration at South Dakota School of Mines & Technology in Rapid City, where she has worked since 2014. In her new role, she returns to the regents’ central office, where she previously served as the higher education system’s finance director. She replaces Monte Kramer, who has announced his retirement next month. “We are pleased to welcome Heather back to Pierre and the regents’ central office,” said Paul B. Beran, the regents’ executive director and CEO. “She is a talented chief financial officer and a strong voice for fiscal accountability in our public university system.” As system vice president, Forney will provide policy direction, support, and oversight of a $800 million budget serving 33,000 students and more than 5,000 employees at six public universities and two schools for special K-12 YOU’RE INVITED! Vermillion Public Transit is having a PUBLIC FORUM Please attend and share your thoughts and opinions about The Vermillion Public Transit Community Connection Center 9 Court Street, Vermillion Friday, August 16th at 10:00am If you need a ride, give us a call at 624-7433 (prescheduled rides to attend the meeting are no charge) populations. “It is an honor to be returning to the Board of Regents,” Forney said. “I look forward to this new opportunity and working with a talented management team at the central office. I’m committed to building upon my predecessor’s history of strong financial stewardship within the Board of Regents’ system.” Forney brings extensive experience to her new position. In addition to her previous work for the Board of Regents, she served in Pierre as deputy executive director for the South Dakota Public Utilities Commission. She also has worked in academia as an adjunct instructor of economics and PRECISION PAINTING accounting. She holds •Interior •Exterior master’s and bachelor’s •Commercial degrees in accounting, •Residential both from the University Quality Workmanship, of South Dakota. Reasonable Rates Since 1983 CLINT TUCKER 624-4621 AFTER 50 YEARS… IT’S THE END OF AN ERA Retirement Sale Char Bill & re A ! g Retirin Save Up To 60% Wide OFF Store 2nd Big Week! Everything Must Go! Theatre and Friends By Daris Howard I had been helping run the lights for a theatre production in a neighboring community when my wife, Donna, saw a Facebook posting. It was a community events page in one of the sites that she often checks. She saw that there was a posting about a musical that was getting close to production and needed some more men. Donna and I have directed plays in our small rural community in the summer and know how hard it is to get men. Many of them are farmers or are in some way connected to agriculture, and there are not enough hours in the day in the summer for the work they need to do. Once, when we were producing The Music Man, all the men we asked to play Harold Hill turned us down. They were willing to take a small part, but not the lead. I ended up playing the part, along with building the set, helping direct, and doing everything I could on the production. Because of these previous challenges when we have been the directors, Donna suggested that I help answer the post. “But I am just finishing work on the other musical and was looking forward to some time to myself this summer,” I said. “But just imagine if it were us directing again,” she said. “Wouldn’t you appreciate having someone come help?” I had to admit that I would. And having been through that challenge, I finally agreed to help. “But tell the director I am not necessarily looking for time on stage and would be happy with as small of a part as possible.” The director was happy to have me join them and immediately brought me a script. I was not able to attend a lot of practices until the other musical finished, but I worked on my lines and music. I had one song that was particularly hard that I had to sing. When the first musical finished, and I started practices in the new one, I realized how far behind I was. I recorded the songs and my lines and listened to them all day for days while I worked. Finally, I started getting them down and could put my script away. Then the director wanted to add the dance. I couldn’t seem to dance and remember what to sing at the same time, and I messed up a lot. The director recorded us doing the different numbers and posted them to YouTube. “Your assignment,” she said to all of us, “is to go home and watch yourselves and see what problems you have.” The next day she asked if we had done what she requested. I was one of the few who had. “And what did you learn?” she asked. “I learned that I really look fat on stage,” I said. She laughed slightly. “But didn’t you learn anything about how you’re performing the numbers?” “No,” I replied. “I couldn’t get past how fat I look.” Well, I finally did learn the numbers and worked hard to perfect them to the best of my ability. But the main thing I gained was a lot of good friends. Unfortunately, in the other production, being in the light booth, almost no one knew me, and I made few friends. Most of the people in the production thought I was a parent of someone in the cast. The few times I tried to visit with others, they would remind me parents weren’t supposed to be backstage. When I told them I was the person running the lights, one said, “Oh, are you the one the director yells at?” I had to admit that the only time I heard my name yelled through the auditorium was when something on the lights needed to be fixed. But as the second production came to an end, I realized that the true value of being in something like a musical production is in the good friends and good memories a person makes. Nothing else really matters or is really long-lasting. VERMILLION Bergen Lutheran Church SUMMER on Timber Road LUNCH MENU Ice Cream Social Wednesday, August 14th Serving 5-7 p.m. The menu will include taverns, ice cream, pie, chips, drinks & hotdogs for kids Free Will Donation The Summer Food Program at St. Agnes Elementary will be serving lunch Monday through Friday from May 28th to August 9th from 11:00 am to 1:00 pm. This meal is FREE to anyone 18 or younger. For more information call 677-7000. Menu listed below is for August 7 – August 9. Menus are subject to change without notice. Wednesday – Cheeseburger Thursday – Italian Dunkers with Marinara Dipping Sauce Friday – Cheese Pizza Sofas – Recliners – Sectionals –Dining Groups –Bedrooms Accent Items – Mattresses – Area Rugs – Flooring & More! 30%&OFF All Lamps Accessories Brunick We appreciate the opportunity we’ve had to furnish the homes of Vermillion and the surrounding area over the past 50 years. Come in NOW and take advantage of amazing Buys Of A Lifetime! FURNITURE & FLOORING 1100 W. Cherry, Vermillion• 605-624-8688 • brunickfurniture.com Bring Your Trucks & Trailers And Load Up The Buys! PRESENTS LIVE! on the National Music Museum Stage: Presents LIVE! on the National Music Museum Stage: KOBE PROVOST THURS. Aug. 8th 5:30PM-7:30PM Clay County Fairgrounds/515 High St., Vermillion